There’s a more rewarding way to shop at John Lewis & Partners, Waitrose & Partners and everywhere Mastercard is accepted.
Whether you’re making home improvements, doing your weekly shop, or enjoying a little indulgence, our credit card rewards you with points wherever and whenever you use it. We’ll turn your points into gift vouchers, which you can put towards something special at John Lewis & Partners or Waitrose & Partners.
See how your spending adds up with our Partnership Card.
Earn 1 point for every pound you spend using our card in John Lewis or Waitrose. Earn 1 point for every 2 pounds you spend anywhere else Mastercard is accepted. We'll then turn your points into vouchers that you can spend in John Lewis and Waitrose.
You can pay via your respective bank's telephone and online services.
Payments can take up to three working days to reach us. Customers making a payment from a bank or building society that is participating in the Faster Payments Service will in normal circumstances be able to pay to your Partnership Card and have the available credit updated within 2 hours.
To make a payment through your online banking
You will need to log in to your Bank or Building Society online account and select the option for making a payment. Follow the instructions on screen to enter the correct details.
You will need our bank details and the 16 digit Partnership Card number of the Primary Card Holder as the payment reference:
Sort code: 40-63-02
Account number: 10000000
Always make sure you use the 16-digit Partnership Card number of the primary card holder as the payment reference.
To make a payment using telephone banking
Call your Bank or Building Society telephone banking service. The Bank or Building Society customer service representative will guide you through the process - in some cases you might be guided through by an automated recording.
You will need our bank details and the 16 digit Partnership Card number of the Primary Card Holder as the payment reference:
Sort code: 40-63-02
Account number: 10000000
Always make sure you use the 16-digit Partnership Card number of the primary card holder as the payment reference.
By cheque
To pay by cheque, you will need complete a Bank Giro Credit slip which can be found on your latest Partnership Card statement and return it with your cheque to this address:
Partnership Card
PO Box 1542
Northampton
NN1 9JD
Your cheque will need to be made payable to John Lewis Financial Services Limited.
Please remember to write your 16 digit credit card number on the back of the cheque, this will help us to identify who the cheque is from. Please do not send cash or post-date your cheque.
You will need to allow 7 working days for your payment to reach your account.
By Direct Debit
You can set up automated payments using a Direct Debit. There are three Direct Debit payment options: the minimum amount, the full balance, or a fixed amount (subject to minimum payment requirements).
If you wish to set up or amend a Direct Debit then you can do this through your Partnership Card online account. Simply select ‘Manage my Account’ followed by ‘Direct Debit’ and follow the instructions.
To set up a Direct Debit by post, download a Direct Debit form (PDF).
However, to lower the risk of any delays we suggest you consider setting up a direct debit. You can do this for the minimum payment amount. This will make sure you don’t fall behind on your payments.
You can also send funds at any time by contacting your main bank and using the faster payments service. Details of the sort code and account number are on the back of your statement.
Will Coronavirus affect my ability to get a Partnership Card?
No. You’ll still be able to apply for a Partnership Card. Your application will be subject to all the usual checks.
If I’ve not received goods or services, am I entitled to claim the money back under Section 75?
It will depend on the specific circumstances of your case.
You should contact the company where you have purchased the goods or services (e.g. the airline if you have purchased airline tickets). They will help you understand why you haven’t received the goods or services, and this may enable you to resolve the matter with them directly and quickly. This may result in a refund or offer of an acceptable alternative such as booking for an alternate date.
If you haven’t been able to obtain a refund from the retailer, you can contact us to query the transaction or raise a dispute (see Disputing a transaction below). You may be entitled to claim under Section 75 but this will depend on the specific details of each case. We ask that you tell us exactly what happened, and give us all relevant documents to support your claim. This is so that we can assess whether there are grounds for a successful claim under Section 75.
What protection is offered to me when purchasing on my credit card?
Section 75 of the Consumer Credit Act 1974 offers protection where goods/or services have been purchased using a credit card.
Section 75 doesn't provide protection for every transaction made using a credit card. There's 3 main requirements for Section 75 to apply:
The Bank must have provided credit used to purchase the goods/services from a supplier which are the basis of the claim. The cash price for the goods/services must be between £100 and £30,000. There must be a breach of contract or misrepresentation by the supplier.
A breach of contract is where the supplier doesn't do what the contract says it agreed to do. For example, there's a breach of contract where goods are not supplied, are defective or not up to standard.
A misrepresentation is an untrue statement made by one party to another which convinces them to make the purchase. For example, there is misrepresentation if the supplier tells a consumer to buy an expensive piece of software - by incorrectly saying it will be compatible with their existing PC operating system when it is not.
We do not expect you to make complicated legal arguments about Section 75, breach of contract or misrepresentation. Instead, we ask that you to tell us exactly what happened with relevant documents in support of your claim, so that we can assess whether there are grounds for a successful claim under Section 75.
Will 0% balance transfer deals continue to be available?
Coronavirus isn’t expected to have an impact on balance transfer deals. We will regularly review the products available and may choose to withdraw or introduce new products at any given time.
Will there be any increases to my credit card APR or fees due to Coronavirus?
No. We do not expect Coronavirus to have an impact on your APR or fees.
If I miss a payment because of being affected by Coronavirus, will my credit rating be affected?
If you think that you’re at risk of missing a payment, please contact us as soon as possible. There are a number of ways we can help you. Missing a payment may have an impact on your credit score, so it’s important to talk to us before this happens.
Will Coronavirus impact the information held about me by UK Credit Reference Agencies?
No. There will be no impact on the information held about you unless you miss a repayment on your mortgage, personal loan or credit card.
HSBC UK Bank plc is our trusted partner in providing the Partnership Card.
Applicants for the Partnership Card must be UK residents (excluding the Channel Islands), aged 18 or over and have a personal income of more than £6,750 a year. Credit subject to status.Full terms and conditions for the Partnership Card
John Lewis plc trading as John Lewis Finance acts as a credit broker for the purpose of introducing credit for the Partnership Card provided under exclusive arrangements with the lender John Lewis Financial Services Limited, a subsidiary of HSBC UK Bank plc.
John Lewis Finance is a trading name of John Lewis plc, registered in England with company number 233462, registered office: 171 Victoria Street, London SW1E 5NN. Authorised and regulated by the Financial Conduct Authority (Financial Services Register number 724309). John Lewis Financial Services Limited (a subsidiary of HSBC UK Bank plc) is registered in England with company number 464530, registered office: 8 Canada Square, London E14 5HQ. Authorised and regulated by the Financial Conduct Authority (Financial Services Register number 715060) including for the provision of payment services (Register number 542750). ‘Partnership Card’, ‘John Lewis Finance’ and other terms including ‘John Lewis’ are John Lewis Partnership brands and John Lewis Financial Services Limited uses them under licence from the John Lewis Partnership.
